Prepare for each phase of a flood event with this checklist

To assess the property and surrounding area for flood exposure, Allianz Risk Consulting lists a number of steps insureds can take. (Photo: Alex Wroblewski/Bloomberg)

Floods can occur anywhere, making them one of the most common natural disasters with the potential cause significant damage to buildings, contents and yard storage. As extreme weather events occur with more frequency, it’s important for insureds to be prepared for flooding, even if they live in areas not known to be susceptible to such events.

Overflowing of natural or man-made bodies of water such as rainwater runoff or sewer back-up can cause flooding; even the smallest streams, creek beds or drains can overflow and create flooding. The best way to prevent flooding for new construction is to avoid building in flood-prone areas. If this is not possible, construct buildings above anticipated flood water levels and design to limit the potential for flood water entry.